CSB Bank Q1FY27: Deposits Surge 26% to ₹45,415 Cr, Profit After Tax Jumps 27% to ₹150 Cr
CSB Bank's Q1 FY27 results show robust growth. Deposits rose 26% YoY to ₹45,415 crore and Profit After Tax increased 27% YoY to ₹150 crore. Gross Advances grew 20% YoY to ₹40,867 crore. Net NPA improved to 0.39% and NIM stood at 43.66%.
The substantial year-on-year growth in deposits and profits, along with an improvement in asset quality (Net NPA), are material financial developments that are likely to have a significant impact on investor perception and the bank's valuation.
The bank reported significant year-on-year growth in key financial metrics such as deposits, profit after tax, gross advances, and net interest income. Improvement in Net NPA and strong NIM also contribute to a positive sentiment.
CSB Bank Limited has announced its unaudited financial results for the quarter ended June 30, 2026 (Q1 FY27). The bank reported a significant 26% year-on-year increase in deposits, reaching ₹45,415 crore, and a 27% year-on-year rise in Profit After Tax to ₹150 crore.
Total business for the bank grew by 25% year-on-year to ₹86,282 crore. Gross Advances increased by 20% year-on-year to ₹40,867 crore, while Net Interest Income saw a 26% year-on-year growth to ₹479 crore. Total Income grew by 18% year-on-year to ₹1,516 crore, with Non-Interest Income rising by 7% year-on-year.
The bank's Capital Adequacy Ratio stood at 19.96%. Net NPA improved to 0.39% from 0.66% in Q1 FY26, and NIM was reported at 43.66% compared to 3.54% in the previous year's corresponding quarter. ROA was ₹229 crore.
The investor presentation also highlighted the bank's strategic focus on becoming a mid-sized, new-age bank with a national presence by 2030, emphasizing digital transformation, customer centricity, and robust governance.
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See the model portfoliosA plain-language summary of a public exchange filing by CSB Bank Limited. Read the original for the full detail.